The Adirondack Trust Company rates: up to 4.06% APY
bank · FDIC CERT 660 · adirondacktrust.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | $1 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Student Statement Savings (1) (age 23 or under) | $1 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD Special | $500(1) · 3 months | 4.06% | APY | 2026-11-01 | since 2026-11-01 | |
| 91-Day CD/IRA | $500(1) · 3 months | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD Special | $500(1) · 6 months | 4.04% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD/IRA | $500(1) · 6 months | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD/IRA | $500(1) · 1 year | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD/IRA | $500(1) · 2 years | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD/IRA | $500(1) · 3 years | 1.01% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | UNDER $15,000 (6) | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | Under $50,000 (5) | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | III · $15,000-$199,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | III · $50,000 – $99,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000 – $199,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $200,000-$499,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $200,000 and over | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $500,000 and over | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market (MMDA) | $2,500 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Interest Checking (Now) | $500 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| adirondacktrust.com/ABOUT/Rates | — | failed | |
| adirondacktrust.com/ABOUT/Rates/deposit-rate | 2026-11-01 19:33 UTC | ok | d3929ae6e046 |
| adirondacktrust.com/ABOUT/Rates/index | — | failed |